Banque Centrale Populaire (CAS:BCP) Retained Earnings: MAD4,503 Mil (As of Dec. 2025)


CAS:BCP Banque Centrale Populaire SA CAS:BCP
51 GF Score
Price MAD263.90
GF Value MAD352.89
Valuation Modestly Undervalued
! 1 Warning Sign
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What is Banque Centrale Populaire Retained Earnings?

Banque Centrale Populaire CAS:BCP 51 Retained Earnings is MAD4,503 Mil as of Dec. 2025. GuruFocus rates CAS:BCP with a GF Score™ of 51/100 and a GF Value™ of MAD352.89 (Modestly Undervalued). The stock has 1 warning sign investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Banque Centrale Populaire's retained earnings for the quarter that ended in Dec. 2025 was MAD4,503 Mil.

Banque Centrale Populaire's quarterly retained earnings increased from Jun. 2025 (MAD2,916 Mil) to Sep. 2025 (MAD4,287 Mil) and increased from Sep. 2025 (MAD4,287 Mil) to Dec. 2025 (MAD4,503 Mil).

Banque Centrale Populaire's annual retained earnings increased from Dec. 2023 (MAD3,475 Mil) to Dec. 2024 (MAD4,145 Mil) and increased from Dec. 2024 (MAD4,145 Mil) to Dec. 2025 (MAD4,503 Mil).


Banque Centrale Populaire  (CAS:BCP) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Banque Centrale Populaire Retained Earnings Historical Data

* Premium members only.

The historical data trend for Banque Centrale Populaire's Retained Earnings can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Banque Centrale Populaire Retained Earnings Chart

Banque Centrale Populaire Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,764.62 2,749.08 3,475.29 4,145.35 4,503.36

Banque Centrale Populaire Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4,145.35 1,292.65 2,915.65 4,287.24 4,503.36
CAS:BCP
51GF Score
Banque Centrale Populaire SA CAS:BCP
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Banque Centrale Populaire Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of MAD4,503 Mil mean?
Banque Centrale Populaire (CAS:BCP) has a Retained Earnings of MAD4,503 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Banque Centrale Populaire and its competitors.
Is Banque Centrale Populaire's Retained Earnings too high?
Banque Centrale Populaire's current Retained Earnings is MAD4,503 Mil. Overall, Banque Centrale Populaire has a GF Score™ of 51/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Banque Centrale Populaire's Retained Earnings compare to PNC and USB?
Banque Centrale Populaire's Retained Earnings of MAD4,503 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Banque Centrale Populaire and its competitors. Banque Centrale Populaire's current Retained Earnings is MAD4,503 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banque Centrale Populaire stock overvalued right now?
Based on GuruFocus' analysis, Banque Centrale Populaire (CAS:BCP) is currently considered Modestly Undervalued. The stock's GF Value™ is MAD352.89, compared to a current price of MAD263.90 — trading 25.2% below its estimated fair value. The current Retained Earnings is MAD4,503 Mil. Banque Centrale Populaire's overall GF Score™ is 51/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Banque Centrale Populaire (CAS:BCP), the current Retained Earnings is MAD4,503 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Banque Centrale Populaire (CAS:BCP) Overvalued in 2026?

Based on GuruFocus' analysis, Banque Centrale Populaire stock appears to be undervalued. The current stock price of MAD263.90 is trading 25.2% below its estimated GF Value™ of MAD352.89. GuruFocus considers Banque Centrale Populaire to be Modestly Undervalued.

Key valuation signals for CAS:BCP:

  • Retained Earnings: MAD4,503 Mil
  • GF Value™: MAD352.89 vs. price of MAD263.90 (25.2% below fair value)
  • GF Score™: 51/100 with 1 warning sign

No single metric tells the full story. See the CAS:BCP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Banque Centrale Populaire Business Description

Address 101, Boulevard Mohamed Zerktouni, BP: 10 622, Casablanca, MAR, 21100
Banque Centrale Populaire SA is a Malaysia-based company. The company is a credit establishment. It carries all banking transaction and is also a central banking body for Banques Populaires Regionales. The bank services include private banking, transaction banking, business banking, asset management, and others. The bank receives maximum revenue in the form of interest income. Geographically, the company offers its services to Morocco, Africa, Europe, and Other regions.
51GF Score

Get the complete analysis for CAS:BCP

Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MAD263.90
Price
MAD352.89
GF Value